£50k to zero - made it across the finish line

One-step-at-a-time

Quiet evening here as hubby has a migraine and has gone to bed already

This evening's first actionable thing has been to set up a people per hour account and submit my seller application. If accepted, I can then replicate the photography services I have on my website on there, and hopefully reach a slightly wider audience.

Cashback from Shopmium today along with the ebay payment from the weekend, so £9 knocked off the CC.

One-step-at-a-time

:j:j Today's credit card payment takes me over £10k paid off the total debt since January 2017 :j:j

One-step-at-a-time

£8.50 card overpayment this morning from a small sale.

Ebay buyers are being complete chancers - I've now had three offers on different items this week for less than 50% of the auction start price. The start prices are already really low for the condition and value of the items, so that's a big fat NOPE from me!

In other news, I think I need help for my snowball calculator addiction

One-step-at-a-time

Gardening was a really good workout. Uuuurgh.

Two admin things today - BGas emailed our final bill, a manageable £23.74, and HFax have finally coughed up my credit card statement. That's all I've got before caffeine :rotfl:

Drawingaline

So what happened to the boiler? Or did I miss that?

I also have those kind of financial ponderings, 'if I shift this to here and this to here'....... I must admit it has worked for me in the past, but sometimes it's a gamble that doesn't pay off.

One-step-at-a-time

You haven't missed anything - nothing's happened with the boiler yet. Usual guy not available for a few more days (and I'd rather wait for him than go through the rigmarole of finding someone new), heating not really needed at the moment, and we can get away with the electric shower and kettle boiling for washing and hot water needs. I'm just glad it didn't happen in January!

One-step-at-a-time

GOOD MORNING!!!

Up and at 'em, Monday. I need to convince myself that today will be all dynamic, but that's not how I'm feeling!

I try to do my account checking first thing to get it out of the way for the day.
According to YNAB this morning, when all my direct debits for the month including the extra £202.74 in final utility bills have gone out, I should still be £46 in credit. I also have £14.52 in cash plus £21.14 to come in from Prolific surveys, so this month's challenge is to raid the emergency fund as late in the month as possible, rather than do a straight transfer of the full amount.

Unfortunately I still need £60 for transport as well as top-ups of milk and fresh veg for the next 19 days, so I *may* have to raid it a bit, but £20-ish left to spend on food to top up the enormo-shop we did last week, plus three weeks of non-food NSDs is entirely feasible, if not exactly comfortable.

The EF is currently at £385. Until we get the plumber's verdict I have no idea whether we will have to spring for a new boiler and the EF money would only cover a fraction of that, so I really don't want to touch it if at all possible.

At the beginning of May we get our mortgage cashback so along with my regular payment that's another £400 to go where it's needed before we have to think about taking on more debt, so the situation (although unpleasant) is something we *should* be able to juggle. :eek:

I didn't do any exercise yesterday as it was my rest day, and watching the pennies will at least prevent gratuitous snack buying!

One-step-at-a-time

My attempts to be dynamic haven't yet been entirely successful...
It's been a bit of a miserable day at work (not the work itself, but colleagues on downers as the restructure stuff is due to come to a head this week) so I am trying to have a productive evening at home.

DH is in charge of dinner tonight and I have plans to move some furniture around (all manageable by myself save for a computer desk currently in the spare room that I can't navigate the stairs with on my own; he can help me with that later). I'm aiming to get the spare room thoroughly tidied once the desk has been relocated, and that will probably be quite enough of being organised for one evening.

I have found myself getting a bit frustrated today due to the lack of ability to make overpayments this month. However, nothing gets improved by wallowing, so I'm going to make a big effort this week to start trying to generate more freelance work and sales. I've looked at the provisional figures for my 17/18 SA tax return from the running total I've been keeping, and it's absolutely pathetic this year compared to the last two (thanks to my regular extra work going down the tubes when the company closed the business), but at least it means that I only have to give a couple of hundred quid to HMRC by the end of January 2019. Silver linings!

One-step-at-a-time

A bit more get up and go today. On the CC front I had a payment clear which has allowed me to pay off another £40 this morning.

One-step-at-a-time

I almost had to stage an intervention on myself today! :rotfl:
At lunchtime I walked past a new hair salon near work.
Now, I've been cutting my own hair for years and I can't actually remember the last time I set foot in one, but the idea of the luxury of a head massage, a cuppa, and not having my arms ache from holding bits of hair in the air at silly angles and grumbling at myself in the mirror for once was REALLY appealing. Then I saw the price list. Yup, it's been a REALLY long time since I went to a hair salon :eek:
Intervention no longer required!